Mastercard Inc. (MA) Buy, Sell or Hold

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Mastercard Inc. (MA)

585.71

-2.43 (0.41%)

as of Sep 3, 2026, 8:00:00 pm Market Open.

274 watching

Investor Insights

Sep 3, 2026, 12:00 am

This summary was created by AI, based on 16 opinions in the last 12 months.

Mastercard Inc. has been navigating a challenging year, largely overshadowed by the focus on AI investments. However, experts acknowledge that both Mastercard and its competitor Visa boast impressive business models and significant competitive advantages. While growth through traditional cash-to-card conversion may have plateaued, advancements in value-added services and digital commerce position these companies well for future growth. Many analysts argue that fears surrounding digital currencies and stablecoins as threats are overstated, as Mastercard remains entrenched within the payments ecosystem. Overall, Mastercard is viewed as a strong buy, with solid fundamentals, a promising growth trajectory, and an ability to adapt to technological changes in the payments landscape.

Consensus

Positive

Valuation

Fair Value

Similar

V, Visa

BUY

Came down pretty hard in the last month or so on rumours of changes to interchange fees that are charged. Regulations have since been softened up. Trades at a very reasonable multiple. Prefers over Visa (V-N). A hair less growth but better valuation by 2 points.

BUY

Trades at about 14X next year's earnings. New US financial regulation bill could possibly lead to lower use of credit/debit cards. Street reaction has been a little strong. Has less exposure to the debit card than Visa (V-N).

TOP PICK

Stock dropped because of concerns on proposed changes on debit card fees. This was more perception than reality because they don't participate in the debit card fee itself.

COMMENT

MasterCard (MC-N) or Visa (V-N)? Both companies are well run. The risk would be the credit situation in the US and it might spill over with the new European crisis. When the stocks hit their lows in 2008-2009 that was a great buying opportunity. They have both been on a fantastic run and not sure you'll make much money buying at its current level.

PAST TOP PICK

(A Top Pick March 11/09. Up 69.1% excluding dividends.) Competes very well against Visa (V-N), its major competitor.

PAST TOP PICK

(Top Pick Mar 11/09, Up 52.87%) Not as cheap as it was, but still good value.

BUY

Very good moneymaking machine. Riding along the 50-day moving average and not falling below it. You could also look at Capital One Financial (COF-N) or American Express (AXP-N).

PAST TOP PICK

(A Top Pick Dec 19/08. Up 58.2% excluding dividends.) Multiple has gone up to 18 X earnings so it's approaching a level where he is starting to get cautious.

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DON'T BUY

A little bit overvalued. Not a compelling opportunity.

DON'T BUY

Trading at 18X forward earnings and 40X price to cash flow. He would prefer about 12X forward earnings.

DON'T BUY

Visa (V-N) and MasterCard (MA-N) make money on fees they charge merchants. (Also have debit cards in Europe and US but not in Canada.) Transaction oriented companies, so if you think retail sales are going to pick up then you will want to own but if the consumer is tapped out and trying to get out of debt (which he thinks) then you don't want to be there right now. His preference would be towards Visa because of its stronger international name.

BUY

Between Visa (V-N) and MasterCard (MA-N), MasterCard is the cheaper of the stocks from a valuation standpoint. Both of these companies are in the right spot. There will be a huge increase in the use of debit cards and both companies have a huge position in this area.

TOP PICK

The key thing is there is no credit risk. Really a processor of transactions. As we move from a cash society this will get more and more business.

COMMENT

Stock has held up well and has started to build a base. There is a thought that this type of credit is starting to be used a bit more. Short term moving average was around $148. When it starts to improve, it should get above the short term moving average and then above the long-term.

TOP PICK

Numbers are very, very impressive. Trading at about 14X earnings. Sticking to their 20% earnings growth target for 2009.

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Mastercard Inc. (MA)